Bread Financial CD Rate - 4 Year
Bread Financial's 4 Year CD pays 4.45% APY as of October 1, 2026, checked 3 days ago. Since RateBrain began tracking it in 2022, this 4 Year CD has paid as much as 4.65% (Nov 2022) and as little as 2.35% (May 2022). It is currently above the median 4 Year CD rate we track (3.38% across 70 banks).
4.45% APY
up from 4.00% on Sep 19
- Last checked
- Oct 1 · 3 days ago
- Minimum deposit
- $1,500
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Bread Financial CD Rate - 4 Year CD - Rate History
Now 4.45% APY
- All-time high 4.65% (Nov 2022)
- Low 2.35% (May 2022)
- 1-year change +0.45
- 12 changes
- Tracked since May 2022
- Full rate history »
The gray line is the median 4 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| September 19, 2026 | 4.45% | +0.45 |
| February 28, 2025 | 4.00% | −0.25 |
| December 25, 2023 | 4.25% | −0.25 |
| July 20, 2023 | 4.50% | +0.15 |
| March 9, 2023 | 4.35% | −0.15 |
| December 26, 2022 | 4.50% | −0.15 |
| November 11, 2022 | 4.65% | +0.50 |
| October 5, 2022 | 4.15% | +0.55 |
| August 17, 2022 | 3.60% | +0.30 |
| June 27, 2022 | 3.30% | +0.50 |
| May 27, 2022 | 2.80% | +0.45 |
| May 24, 2022 | 2.35% | first tracked |
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ShareOther Bread Financial rates
- 3 Month CD3.90%
- 6 Month CD4.00%
- 9 Month CD4.40%
- 1 Year CD4.25%
- 18 Month CD4.50%
- 2 Year CD4.35%
- 3 Year CD4.40%
- 5 Year CD4.50%
- Savings4.00%
Other 4 Year CD rates
- Raymond James Bank5.10%
- Popular Direct4.85%
- State Bank of India4.58%
- BTG Pactual US4.55%
- NASA Federal Credit Union4.50%
- First National Bank of America4.45%
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.